Last updated: November 4, 2026
1. Agreeing to these terms
This website is run by First Legacy Realty & Home Loans (“we,” “us” or “our”). By using it, you agree to these terms and to our Privacy Policy. If you don’t agree, please don’t use the site. You must be at least 18 to make a client login or send us a request.
2. Not legal, tax or financial advice
The information on this site is general and for learning only. It is not legal, tax, financial or investment advice. Probate, trust, divorce, tax and loan rules depend on your exact situation and can change. Please talk to a licensed attorney, CPA or financial advisor before you make a decision. We are real estate and loan professionals, not attorneys.
3. No agent relationship until we sign
Using this site, filling out a form or calling us does not make us your real estate agent or broker. That only happens when we both sign a written agreement, as California law requires. Until then, please don’t share anything you would want kept confidential from the other side of a deal, like the most you would pay or the least you would take.
4. Home values and calculators
- Any home value or price opinion from us is our opinion, based on market data. It is not an appraisal, and it can’t be used as one for a loan or for the court.
- Our calculators and checklists (like the net sheet, buyout, payment, affordability, refinance and reverse mortgage tools) give rough estimates only. They use the numbers you type in plus general guesses, like typical fees and tax rates. Your real numbers will be different.
- The probate steps and paper checklists are general guides, not legal advice. Your attorney and the court have the final word.
5. Listings and property info
Property information on this site, including any listings, comes from sources we think are reliable, like the MLS and public records, but we can’t promise it is complete or correct. Homes can sell, change price or be taken off the market at any time. Please check all details, like size, schools, permits and boundaries, yourself.
6. Home loans
Home loans are offered through OwnTheDream Lending, company NMLS #2273731. Angela Artiga, individual NMLS #1992334. Loan information on this site is not an offer to lend or a promise of a loan, rate or term. All loans are subject to credit approval, underwriting, property review and program rules. Rates, fees and programs can change without notice. You can look up our license on NMLS Consumer Access. Equal Housing Lender.
Reverse mortgage information is for homeowners 62 and older. A reverse mortgage is a loan that must be paid back, usually when the last borrower sells, moves out for good or passes away. Borrowers must keep paying property taxes, insurance and upkeep. Counseling with a HUD-approved counselor is required before applying.
7. Wire fraud warning
We will never email or text you new or changed wiring instructions. If you get a message asking you to wire money, even if it looks like it came from us or escrow, do not reply and do not click. Call your escrow company at a number you already know before you send any money. We are not responsible for money sent based on fake instructions.
8. Fair housing
We follow all federal and California fair housing laws. We do not discriminate based on race, color, religion, sex, gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, familial status, source of income, disability, medical condition, genetic information, age, military or veteran status, or any other group protected by law.
9. Licenses
Angela Artiga, Broker, California Department of Real Estate license #01734864. NMLS #1992334. OwnTheDream Lending, NMLS #2273731. You can check a real estate license at the California DRE website.
10. Your client login
- Keep your password private and don’t share your login. You are responsible for what happens under your login.
- Tell us right away if you think someone else has used your login.
- We can turn off a login if it is misused, or when your sale or loan is finished and the records are no longer needed online.
11. What you send us
When you send us documents, photos or messages, you tell us you have the right to share them. You give us permission to use them only to help you with your sale, purchase or loan, and to keep records as the law requires. Please only send what we ask for, and use the secure upload or another safe way for private papers.
12. Using the site the right way
Please don’t use this site to:
- Break any law, or send false or misleading information.
- Pretend to be someone else, or send someone else’s private information without permission.
- Send spam, viruses or harmful code, or try to break into the site or other people’s accounts.
- Copy large parts of the site, or use robots or scrapers to collect data from it.
13. Our content
The text, design, logos, photos, videos and tools on this site belong to First Legacy Realty & Home Loans or are used with permission. You may view and print pages for your own personal use. Please don’t copy, sell or reuse them without our written permission.
14. Other websites
We link to other websites, like the MLS, loan partners, maps and government sites, to help you. We don’t control those sites and aren’t responsible for what they say or do.
15. No promises
We work hard to keep this site correct and working, but it is offered “as is.” We don’t promise that it will always be available, error-free or up to date, or that any information on it is complete.
16. Limits on our liability
As far as the law allows, we are not responsible for any loss or damage that comes from using this site or relying on its information, calculators or tools. This does not limit any rights you have under a signed agreement with us, or any rights the law does not let us limit.
17. California law
These terms are governed by California law. Any dispute about this website will be handled in the courts of San Bernardino County, California, unless we both agree otherwise in writing.
18. Accessibility
We want everyone to be able to use this website, including people with disabilities. If something is hard to see, read or use, please call (909) 920-0999 or email ArtigaHomes@gmail.com. We will help you right away and work to fix it. Se habla español.
19. Changes
We may update these terms. The “Last updated” date at the top shows the newest version. If you keep using the site after a change, that means you agree to the new terms.
20. How to reach us
First Legacy Realty & Home Loans
1645 N. Mountain Ave, Suite A
Upland, CA 91784
Phone: (909) 920-0999
Email: ArtigaHomes@gmail.com